Compliance Analyst

Your Role

The Regulatory Compliance Analyst is responsible for ensuring Pomelo’s lines of business comply with all applicable federal and state laws, regulations, and industry best practices. The Analyst will work cross‑functionally with Product, Operations, Marketing, and Engineering to build and maintain a best‑in‑class compliance management system (CMS). Expertise in Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), and Bank Secrecy Act/Anti‑Money Laundering (BSA/AML) is essential. Experience in FinTech environments and familiarity with state Money Transmitter Licensing (MTL) requirements are highly valued.

Key Responsibilities:

Regulatory Strategy & Advisory  

• Interpret and apply TILA, Reg. Z, ECOA/Reg. B, UDAAP, BSA/AML, OFAC, FinCEN guidance, and state MTL rules to new and existing products.  
• Advise Product and Engineering on compliant product designs, disclosures, marketing materials, and fee structures.  
• Monitor legislative and regulatory changes; perform impact analyses and update policies, procedures, and controls accordingly.

Compliance Monitoring & Testing  

• Design and execute risk‑based compliance testing plans across the customer journey (application, underwriting, servicing, collections, and remittance flows).  
• Document findings, root‑cause analyses, and remediation plans; track corrective actions to completion.  

Policies, Procedures & Training  

• Draft and maintain compliance policies, standard operating procedures (SOPs), and control matrices.  
• Develop and deliver compliance training to business partners, including new‑hire onboarding and targeted refreshers.  

Reporting & Governance  

• Prepare periodic compliance dashboards for senior management and Board‑level committees, highlighting key metrics, issues, and emerging risks.  
• Support regulatory exams, audits, and independent reviews; coordinate document production and management responses.

AML Program Support  

• Assist the BSA Officer with transaction monitoring rule tuning, suspicious activity investigations, SAR filings, and customer risk rating methodologies.  
• Conduct enhanced due diligence (EDD) on higher‑risk customers and remittance corridors.  

Licensing & Regulatory Filings  

• Maintain inventory of state money‑transmitter and lending licenses; assist with renewals, quarterly/annual reports, MSB call reports, and NMLS filings.  

Required Qualifications  

• Bachelor’s degree in Business, Finance, Law, or related field.  
• 3+ years of hands‑on compliance or risk experience within a FinTech, credit‑card issuer, money‑services business (MSB), or financial institution.  
• Deep working knowledge of: 
  • Truth in Lending Act / Regulation Z 
  • Equal Credit Opportunity Act / Regulation B 
  • UDAAP standards (CFPB, FTC)
  • Bank Secrecy Act, USA PATRIOT Act, FinCEN rules, and related AML/OFAC requirements  
• Demonstrated expertise building or operating components of a compliance management system (policy, training, monitoring, complaint handling, issue management).  
• Strong analytical, investigative, and problem‑solving skills with exceptional attention to detail.  
• Excellent written and verbal communication abilities; capable of translating regulatory language into practical guidance for non‑experts.  

Preferred Qualifications  

• • Professional certifications: Certified Anti‑Money Laundering Specialist (CAMS) and/or Certified Regulatory Compliance Manager (CRCM).  
  • Experience interfacing with the CFPB, OCC, state banking departments, or FinCEN examiners.  
  • Working knowledge of state Money Transmitter Licensing frameworks, NMLS, and surety bond requirements.  
  • Familiarity with modern RegTech/AML platforms (e.g., Actimize, ComplyAdvantage, Alloy, Persona) and SQL or data‑analytics tools.  
  • Advanced degree (J.D. or M.B.A.) is a plus.

Company Values

• Earn the Trust of Our Customers

• Be Relentless

• Integrity in Every Language

• Show Our Work

• Leadership at Every Level

Benefits and Perks (FTE)

• ❤️ A meaningful mission and an opportunity for direct societal impact. We’re putting real money back in the hands of the people who need it most and helping immigrants and their families realize the American dream.

• 👥 An amazing team and culture. You’ll have peers from both top tech companies (e.g. Cash App, Google, Twitter, Uber) and other successful startups (e.g. Affirm, AfterPay, MemSQL). We empower each other to do great work and continue growing.

• 💪 Opportunity for major impact, learning, and growth.

• 🏥 Platinum-level health insurance (medical, dental, vision) — with 100% covered by the company for you and 50% for dependents. Assistance with life insurance. 

• 👶 Parental leave for the primary or the secondary

• 🌴 PTO: 3 weeks in your first year, 4 weeks thereafter, plus national holidays

• ✈️ $1,500 annual travel stipend

• 😌 $300 annual wellness stipend

• 🚗 Pre-tax funds towards commuting costs

• 🗺 Twice-a-year company retreats. Previous trips include skiing in Park City, getting sun and surf in Cabo, Mexico, and a cruise excursion to The Bahamas.

• 🧳 After 4 years, eligible for a 4-week sabbatical

• 🍽️ In Office Meals: Lunch, dinner, and snacks provided daily